Traveling across the country in a small van

According to the American Society of Reproductive Medicine, the average cost for one in vitro fertilization (IVF) cycle is more than $12,000. However, prices vary significantly and basic IVF can be as much as $25,000 or may be as low as $10,000. It’s rarely lower than that.

These numbers may or may not include the cost of medications or other fees which can add up quickly. One study asked couples at a fertility clinic to track all their out-of-pocket expenses over a period of 18 months. This included what they paid for the IVF itself, as well as medications and monitoring.

The average couple spent $19,234. For every additional cycle, couples spent on average an additional $6,955. So, according to this study, if a couple went through three cycles, that added up to a little over $33,000 in out-of-pocket expenses. Before you panic, remember that there are ways to get discounts and pay less for IVF,

Is IVF free in Maryland?

IVF Cost in Maryland | Insurance Coverage and Financing Options Maryland is one of 17 states that mandate infertility insurance coverage. Individual and group plans must cover the cost of three IVF cycles per live birth, up to $100,000 in a lifetime. To qualify, the patient and spouse must have at least two years of infertility, and must try less costly fertility treatments before moving on to IVF.

Does the state of Maryland cover IVF?

Maryland Insures Against Infertility as it Enhances In Vitro Fertilization (IVF) Coverage Laws Maryland was the first state in the United States to enact infertility insurance legislation and was the third state that covered fertility preservation prior to cancer treatment.

1. Recently, on January 1, 2021, Maryland’s fertility laws expanding IVF coverage went into effect increasing access to care for those seeking infertility treatment.
2. Specifically, Maryland insurance law, Md.
3. Code Ann., Ins.
4. § 15-810(d)(4) addressees the equity issue where marriage is no longer a requirement to have access to IVF coverage though insurance.

Additionally, Md. Code Ann., Ins. § 15-810(d) also decreases the time any woman must try and fail to conceive by other methods before insurance must cover infertility treatment, thereby reducing the “waiting period” requirement from two years to one year.

Under these laws, for those that are faced with the disease of infertility, which is a medical health issue, it will now be easier for both married and unmarried patients in Maryland to qualify for IVF benefits by reducing the length of time they must be considered involuntarily infertile from two years to one.

How Frier Levitt Can Help Providers, including fertility clinics and pharmacies that provide specialized fertility care, should be aware of the effect of this expansion of IVF coverage services for its patients. These laws provide additional opportunities for providers to better serve their patients, and for their patients to better afford their medications.

How much does one round of IVF cost in the US?

Excluded services – not included in our IVF costs: –

Pre-IVF screening tests (see below)Medications (see below)Embryo or sperm freezing or storage – these are optional servicesPregnancy testing and monitoring of early pregnancyConsultations with the physician

That is a straightforward question that should have a clear and simple answer. However, at some IVF centers the answer is confusing. Some clinics charge separately for the various components of IVF. For example, there can be charges from:

A hospitalThe lab that runs the blood testsRadiology for ultrasoundsAnesthesia providersThe IVF laboratoryThe fertility doctors

Be sure that you understand the total cost of the in vitro fertilization cycle before committing to treatment. The average cost for a complete IVF cycle in the US is about $12,000 plus medications. In large metropolitan areas it is often higher. There are some low cost IVF programs that charge significantly less than average, while others charge $15,000 or more for a complete in vitro cycle without medications. Our 2018 IVF live birth success rates compared to the national average (age < 35) Data is from the 2018 SART report

How much does it cost to get pregnant by IVF?

In 2021, the average cost of one cycle of IVF without insurance was between $15,000 and $30,000, The price variation is due to location and the patient’s specific needs. Many patients will require multiple cycles (up to 5-6) before they have a child, so IVF can cost up to $180,000. Assisted reproductive techniques, including IVF, can be costly for many couples and individuals.

Can insurance claim for IVF?

Is IVF treatment in India covered under insurance by general health insurance policies? – No. The general health insurance policies in India usually do not cover IVF procedures. However, there are a few that do. As of March 2022, the only general health insurance covering IVF treatment expenses is the BMB Nirbhaya Scheme by Bharatiya Mahila Bank.

But, the coverage is only limited to women of different financial statuses. Under this scheme, women can avail cashless facilities and maternity coverage for the first two children. Most general health insurance providers cover only the hormonal assessment and medical testing costs, the expenses of the OT, and the charges of the anesthetic procedure.

The rest of the treatment expenses as well as the medical costs are to be borne separately by the couple. As a result, the number of companies providing coverage for IVF treatment in India is very few. But as the number of couples undergoing IVF is increasing with every passing year, health insurance companies are pondering IVF coverage in their insurance policies.

Will IVF be covered by insurance in 2022?

Learn more about legislators mentioned in this story – State Assembly, District 15 (Oakland) How she voted 2019-2020 Liberal Conservative District 15 Demographics Race/Ethnicity Latino 24% White 39% Asian 20% Black 12% Multi-race 5% Voter Registration Dem 70% GOP 6% No party 21% Other 3% Campaign Contributions Asm.

1. Buffy Wicks has taken at least $720,000 from the Labor sector since she was elected to the legislature.
2. That represents 24% of her total campaign contributions.
3. California law currently requires insurance companies to offer fertility treatment, excluding in vitro, but it’s up to the employer or group to decide whether that’s included as a covered benefit.

This bill would make that coverage mandatory. Annabel Adams, who recently testified in support of Wicks’ bill, has paid close to $50,000 for three rounds of in vitro fertilization. Born with a chromosomal inversion that makes it difficult for her to sustain a pregnancy, she has suffered six losses.

• Her doctors recommended in vitro fertilization, or IVF, a process in which eggs are retrieved from the ovaries and fertilized by sperm in a lab.
• The fertilized egg, or embryo, is then transferred to the uterus.
• For Adams, this process allows her doctors to test the embryos to ensure they aren’t affected by her genetic issue, increasing her chances of a sustainable pregnancy.

Her first round of treatment, including medication, cost her $25,600, she said. Her Kaiser insurance plan, as offered by her University of California employer, didn’t cover it. Her husband’s insurance helped cover some of the costs for the second and third rounds.

• Every pregnancy is filled with terror.
• These are wanted pregnancies; these are children we are envisioning and planning a future around,” said Adams, a resident of Long Beach and founder of California Fertility Advocates.
• Finding out that IVF was essentially the cure to my disease and knowing it was not easily accessible to me, it felt like an added layer of harm.” The health insurance lobby and business groups oppose Wicks’ bill, citing the cost.

They say that like other pieces of legislation that require new benefits to be covered, this bill would prompt increases in health insurance premiums for employers and employees. According to the California Association of Health Plans, this is the most expensive bill the organization is opposing this year, and Wicks’ recent amendments don’t change its stance.

• Every pregnancy is filled with terror.
• These are wanted pregnancies; these are children we are envisioning.” Annabel Adams, founder of California Fertility Advocates “As health plans we have to be concerned about the costs for everyone,” said Mary Ellen Grant, a spokesperson for the association.
• We are not disputing the merits of this bill, but they do increase health care costs for Californians.

That’s just not something that the health plans can get behind.” Grant said that lawmakers have to take into consideration the sum of all benefit mandates they choose to pass, not just a single bill. This year, the association is opposing 14 bills that would require new benefits be covered — collectively, these bills could increase annual premiums by $1.5 billion, the association said.

The California Chamber of Commerce and various local chambers, representing the interests of businesses, have also voiced their opposition to the bill because of the cost. The bill is next headed to the Assembly Appropriations Committee, which weighs a bill’s fiscal impact. In 2019, California enacted a law clarifying that insurers had to cover the cost of preserving eggs, sperm or embryos for patients undergoing treatment for diseases that affected their ability to have children.

HOW MUCH IVF COSTS?! Step by Step Breakdown ACTUAL Numbers!

Two previous bills introduced by Wicks in 2019 and 2020, targeting fertility coverage more broadly, did not advance. While much of the conversation around Wicks’ current bill is focused on in vitro fertilization, because it is the most expensive type of fertility treatment, the bill gets at the broader issue of fertility coverage overall, said Dr.

Marcelle Cedars, a reproductive endocrinologist at the University of California, San Francisco. Not everyone who is infertile needs in vitro fertilization. “It’s really about recognition of infertility as a disease,” Cedars said. “As with any other disease, all evidence-based, medically valid treatment options should be available to patients.” Cedars said she has patients whose diagnosis is covered by their insurance, but not their treatment.

“You would never say, ‘Oh, by the way, you have diabetes, but we’re not going to give you insulin to treat it.’ I mean, that is crazy, what other disease would you treat like that?” Infertility is estimated to affect approximately one in eight couples, or about 15% of the population in the U.S.

Dr. Cedars said that while infertility is recognized as a disease by the World Health Organization and the American Medical Association, socially and politically, it’s murkier. Treatment is often thought of as elective. “Reproductive health is tricky in this country, as we saw this week,” Cedars said, referring to news of a leaked draft opinion that showed the U.S.

Supreme Court is poised to strike down Roe v. Wade. “Reproductive health is really a spectrum, it’s not having children when you don’t want to and being able to have them when you do.” In the abortion debate, California is positioning itself as a sanctuary state for people from out-of-state seeking to terminate a pregnancy.

1. Democratic legislators have authored a package of bills making their way through the Legislature to protect abortion access and affordability. Gov.
2. Gavin Newsom has already signed into law one of those bills, eliminating out-of-pocket costs for abortions.
3. Wicks and supporters of her bill said that ultimately this bill is also about choice — allowing people to start a family if and when they choose to.

“It is why I work on bills for safe and legal abortion and insuring that doulas are covered,” Wicks said. “All of these things to me are very connected.” CalMatters COVID and health care coverage is supported by grants from the Blue Shield of California Foundation, the California Health Care Foundation and the California Wellness Foundation.

Does Blue Cross Blue Shield cover IVF in Maryland?

Conclusion – Blue Cross Blue Shield offers comprehensive coverage that includes the most basic and advanced diagnostic tests and infertility treatment procedures for men and women alike. Reference links https://www.bcbs.com/sites/default/files/ https://www.bcbs.com/sites/default/files/ https://www.blueshieldca.com/bsca/sbc-assets/public/ https://www.blueshieldca.com/employer/documents/ See Also Reintegration Grants Loans for IVF FET Due Date Calculator How Much Does IVF Cost ? How to Read Blue Cross Blue Shield Insurance Card ?

Which state has the best infertility coverage?

The Best and Worst States for Infertility I f you’re struggling to get pregnant, the best states to live in are Connecticut, Illinois, Maryland, Massachusetts, and New Jersey. That’s according to a “” from RESOLVE: The National Infertility Association, which assessed each state based on whether they offer insurance coverage for in vitro fertilization (IVF), the number of fertility specialists in each state, and the prevalence of infertility support groups.

So what are the worst states for couples struggling to get pregnant? RESOLVE says it’s Alaska, New Hampshire, and Wyoming, which all were graded an “F.” “For the second year in a row, we are working to highlight state-by-state disparities between access to support resources and fertility treatment, in an effort to motivate people to take action to improve their state’s fertility friendliness,” said Barbara Collura, President/CEO of RESOLVE.

Insurance coverage is one of the biggest hurdles for IVF, with some states not providing insurance due to IVF not being a life or death issue, and for ethical reasons. See a snapshot below, or view the full interactive : Contact us at, : The Best and Worst States for Infertility

Why is IVF not covered by insurance?

Insurance Coverage – Insurance coverage of fertility services varies by the state in which the person lives and, for people with employer-sponsored insurance, the size of their employer. Many fertility treatments are not considered “medically necessary” by insurance companies, so they are not typically covered by private insurance plans or Medicaid programs.

• When coverage is available, certain types of fertility services (e.g., testing) are more likely to be covered than others (e.g., IVF).
• A handful of states require coverage of fertility services for some fully-insured private plans, which are regulated by the state.
• These requirements, however, do not apply to health plans that are administered and funded directly by employers (self-funded plans) which cover six in ten ( 61% ) workers with employer-sponsored health insurance.

States also have purview over the benefits covered by their Medicaid programs. The federal government has authority over benefit requirements in federal health coverage programs, including Medicare, the Indian Health Service (IHS) and military health coverage.

What age is IVF most successful?

Maternal Age Directly Impacts the Success of IVF – It’s widely known that a woman is most fertile in her 20’s. Studies show that women in their 20s and 30s have the most success when getting pregnant through IVF and other reproductive technologies. According to the CDC, the average percentages of assisted reproductive technology (ART) cycles that lead to a live birth are:

31% in women younger than 35 years of age 24% in women aged 35 to 37 16% in women aged 38 to 40 8% in women aged 41 to 44 3% in women age 43 and older

Age affects the success of IVF and overall fertility in a number of ways. As a woman ages, she has fewer eggs that are not as healthy as eggs in younger years. Aging women tend to have a higher risk of developing health conditions that can impact fertility such as uterine fibroids and endometriosis.

How long does 1 round of IVF take?

Overview – In vitro fertilization (IVF) is a complex series of procedures used to help with fertility or prevent genetic problems and assist with the conception of a child. During IVF, mature eggs are collected (retrieved) from ovaries and fertilized by sperm in a lab.

• Then the fertilized egg (embryo) or eggs (embryos) are transferred to a uterus.
• One full cycle of IVF takes about three weeks.
• Sometimes these steps are split into different parts and the process can take longer.
• IVF is the most effective form of assisted reproductive technology.
• The procedure can be done using a couple’s own eggs and sperm.

Or IVF may involve eggs, sperm or embryos from a known or anonymous donor. In some cases, a gestational carrier — someone who has an embryo implanted in the uterus — might be used. Your chances of having a healthy baby using IVF depend on many factors, such as your age and the cause of infertility.

Can you pick gender with IVF?

Gender selection success rates with PGS/PGT-A/PGD – Intended Parents can determine gender through PGD/PGS/PGT-A during an IVF journey. Given a fertility doctor’s ability to identify XX or XY chromosomes in the embryo with PGD tests, the gender selection process is almost 100% accurate.

However, not all patients can produce healthy embryos of the desired gender because of factors related to age, egg supply, and sperm quality. In these cases, sperm or egg donation is a possibility for Intended Parent(s) who wish to pursue gender selection. Whether the reason for gender selection is medical or elective, the success rates for gender selection are extremely high using preimplantation genetic diagnosis (PGD) or preimplantation genetic screening (PGS/PGT-A).

We’re experienced in all techniques used for gender selection, including sperm spinning (the act of separating sperm into X and Y chromosomes), but combining IVF with genetic testing is the only truly reliable approach to ensure that your gender selection is 100% accurate.

How do poor people afford IVF?

Fertility Financing: How to Pay for In Vitro Fertilization When it comes to financing in vitro fertilization, most Americans can’t afford to pay out of pocket for the full procedure. The is from $10,000 to $15,000, according to the Society for Assisted Reproductive Technology, and currently only 17 states have laws that require insurers to either cover or offer coverage for fertility treatments.

1. Making financial trade-offs and saving for IVF is the best-case scenario, but for those eager to move forward without adequate savings, financing may be the answer.
2. If insurance doesn’t cover your IVF treatments, here are other ways to finance the costs and who they’re best suited for.
3. Who it’s best for: Those who want a lender that works directly with their fertility clinic.

Lenders that specialize in funding IVF loans often partner with fertility clinics and health care providers to offer IVF financing. There’s typically an application fee, and your approval for a loan is based on factors including your credit and the loan amount and term you request.

The money for these types of IVF loans goes directly to the fertility clinic rather than the patient. CapexMD and ARC Fertility are examples of lenders that offer IVF loans. Both facilitate IVF financing between participating fertility clinics and patients. Who it’s best for: Existing credit union members or those with imperfect or thin credit histories.

Credit unions offer personal installment loans, typically with to their members. They’re good options for borrowers with fair or bad credit (a credit score of 689 and below) because credit unions consider your whole financial situation, including credit history and your reputation as a member, when assessing your loan application.

A credit union loan will be paid to you directly; you can then use the proceeds for fertility treatments. » MORE: Who it’s best for: Patients with good to excellent credit who want convenient and fast funding. Online personal loans allow you to pre-qualify, apply and receive funding online, often within a week or less.

They can be an expensive way to finance IVF treatment, with annual percentage rates generally between 6% and 36%. Borrowers with good or excellent credit (a credit score of 690 or higher) typically receive the lowest rates. allows you to compare multiple online loans without affecting your credit score.

5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.

Who it’s best for: Patients who qualify for a 0% APR and can pay off the balance within the promotional period. Good- or excellent-credit borrowers may qualify for a, which offers free financing over an introductory period, typically 15 to 21 months.

You can use the credit card to make fertility treatment payments at your provider. But you must pay off the credit card balance before the intro period ends to avoid interest charges. Who it’s best for: Individuals who may not qualify for lower rates on a personal loan or credit card. If you own a home with sufficient equity, a allows you to potentially borrow up to 85% of your home’s appraised value.

A HELOC works similarly to a credit card. You can spend up to your limit, and pay interest only on what you borrow. HELOCs generally have an average rate around 5%, and they’re secured by your home. If you can’t pay it back, you could lose your home. » EXPLORE: Who it’s best for: Individuals who meet the eligibility criteria and application deadlines for IVF grants.

If loans or credit cards aren’t an option for IVF financing, there are foundations, organizations and some treatment centers that offer grants — money that doesn’t need to be repaid — for infertility treatments. Some grants may cover a portion of IVF treatment, while others pay for an entire cycle. Grants typically have eligibility requirements related to location, insurance coverage and need.

They may also require you to complete an application by a specified deadline and wait four to eight weeks to learn if you’re selected for a grant. You can use a service like to find grants you may be eligible for by state. Here are a few examples of IVF grants:

: This nonprofit organization awards one grant each year and offers financial assistance to cover the costs of IVF treatments, surrogacy or adoption. : This nonprofit awards grants twice a year that can go toward IVF and surrogacy expenses. Each month, this fertility clinic awards a grant to cover a cycle of IVF, hotel stay and related medications. Recipients receive care through a CNY clinic in Colorado or New York.

If you decide to finance your IVF treatments, it’s a good idea to research and compare multiple options. Check your credit score. Understanding your credit score can help identify which financing options are best for you. Good or excellent credit scores mean a 0% credit card or personal loan can be a lower-cost option, while borrowers with fair or bad credit scores can take a look at credit unions or HELOCs.

You can or at, APR range. The APR, which includes interest and any fees, can be the best way to do an apples-to-apples comparison between financing options. Typically, the option with the lowest APR is the least expensive. Fertility-specific lenders. It’s a personal choice whether you’d like a dedicated fertility lender.

Often these lenders can be convenient and make direct payments to the fertility clinic, as long as it’s a participating partner. A personal loan, on the other hand, can be used for almost any purpose, including IVF treatments.

Fertility specialist loan	Those who want a lender that works directly with their fertility clinic.	Varies based on credit history, income, debt obligations and the lender.
	Existing credit union members or those with imperfect or thin credit histories.
	Patients with good to excellent credit who want convenient and fast funding.
	Patients who qualify for a 0% APR and can pay off the balance within the promotional period.	12% to 25% after a 0% introductory period.
	Individuals who may not qualify for low rates on a personal loan or credit card.
	Individuals who meet the eligibility criteria and application deadlines for IVF grants.	Application fee plus other costs vary by organization.

Jim Marrocco, a certified financial planner, advisor and founder of Thinking Big Financial, a New York-based financial planning firm, has worked with clients seeking to finance IVF. He’s shared factors individuals should consider as they think about how to pay for IVF treatments.

Know the potential IVF cost ranges. On top of APR costs with a loan and fees, Marrocco advises clients to understand the scope of total IVF costs. IVF treatment packages may not always include additional necessary procedures, appointments and other related expenses. “If you go through IVF, and round one doesn’t take, what’s the cost of round two? Or is pricing inclusive of multiple attempts?” Marrocco says.

Being aware of the entire cost can help you create a solid strategy to finance IVF. Be realistic about what you can afford. Before making a financing decision, you need to know if you can comfortably manage the monthly payments. Marrocco advises clients to consider how long it will take to pay back the funds and if the payment fits with their current cash flow.

Plan for life after the birth. Marrocco reminds clients to also think about the overall, “Do you have to move? Are there child care costs? What does that look like? Really be mindful that it’s not just about getting to the point of paying for IVF, but it’s also about paying for things once the baby is in the picture, too,” Marrocco says.

Frequently asked questions Can I get a loan for IVF with bad credit? Borrowers with bad credit may qualify for an IVF loan, but their rate may be at the upper end of a lender’s APR range. To improve your chances of getting approved, and receiving a potentially lower rate, consider ways to,

An IVF loan is a personal loan that covers IVF treatment costs. These loans are typically funded by lenders that specialize in fertility-related financing, or online lenders. Can I get a loan for IVF with bad credit? Borrowers with bad credit may qualify for an IVF loan, but their rate may be at the upper end of a lender’s APR range.

To improve your chances of getting approved, and receiving a potentially lower rate, consider ways to, An IVF loan is a personal loan that covers IVF treatment costs. These loans are typically funded by lenders that specialize in fertility-related financing, or online lenders.

How successful is a first try IVF?

Skip to content What is The Success Rate of IVF on the First Try?

• How does IVF Work?
• What factors impact the success of IVF?
• What is the success rate of IVF on the first try?
• How to find the right fertility team

The national average for women younger than 35 able to become pregnant by in-vitro fertilization (IVF) on the first try (meaning, the first egg retrieval) is 55%. However, that number drops steadily as the woman ages. Mark P. Trolice, M.D., board-certified reproductive endocrinology and infertility specialist and founder of The IVF Center SM says, “Annually, across the country, over 275,000 cycles of IVF are performed.” One of the most common questions asked by his patients is What is the success rate of IVF on the first try?” Dr.

Trolice and his team at The IVF Center SM believe the success rate of the IVF procedure is dependent upon the entire clinical and laboratory team. This is critically important to note. Why? Because, as Verywell Family points out, “The high cost of IVF, plus the psychological distress experienced by couples, makes multiple IVF cycles difficult.” One study correlated higher anxiety with waiting to become pregnant during the IVF procedure.

Dr. Trolice and his team address this issue by having a clinical specialist available 24/7 as well as a full-time Reproductive Health Psychologist to answer questions and provide emotional support. The Center for Disease Control and Prevention (CDC) reports the use of ART procedures has doubled over the past decade.

Can you pay for IVF to have twins?

Understanding the risks – Yes, a couple can ask for twins, but the clinic will counsel on the risks. The main risk with IVF is pre-term births. Pre-term births account for 60% of twin deliveries and bring a host of complications for the babies. Placental abruption and gestational diabetes are more likely to occur since multiple babies compete for nutrients and can create significant swings in hormones.

Does Blue Cross Blue Shield cover IVF in Maryland?

Conclusion – Blue Cross Blue Shield offers comprehensive coverage that includes the most basic and advanced diagnostic tests and infertility treatment procedures for men and women alike. Reference links https://www.bcbs.com/sites/default/files/ https://www.bcbs.com/sites/default/files/ https://www.blueshieldca.com/bsca/sbc-assets/public/ https://www.blueshieldca.com/employer/documents/ See Also Reintegration Grants Loans for IVF FET Due Date Calculator How Much Does IVF Cost ? How to Read Blue Cross Blue Shield Insurance Card ?

Does Maryland Medicaid cover fertility testing?

Key Finding: Fertility Services

No state covers fertility treatments for either women or men. Some states cover diagnostic testing related to fertility, although some restrict the test for medical reasons other than for fertility.

There are no federal requirements for state Medicaid programs to cover fertility testing or treatment such as medications, intrauterine insemination, or in-vitro fertilization for individuals enrolled in Medicaid. States may cover diagnostic services to detect the underlying medical reasons for infertility.

1. States were asked about diagnostic testing for both women (laparoscopy) and men (semen analysis).
2. Nine of the 41 responding states cover fertility testing for women and men in their traditional Medicaid program as do 6 of the 25 responding ACA expansion states ( Table 14),
3. Just 3 of 23 states cover testing for women ( Maryland, Minnesota, Oklahoma ) and men ( Alabama, Maryland, Minnesota ) under a family planning waiver or SPA.

Overall, five states provide the coverage for both genders in all of their eligibility pathways: Arkansas, Hawaii, Massachusetts, Maryland, and Nebraska, Notably, Nebraska is the only state that indicated it provides women with medication such as clomid and hCG, but only when infertility is a symptom of a separate medical problem.

Table 14: Fertility Testing and Services in State Medicaid Programs, by Type of Program
	Traditional Medicaid (n=41)	ACA Medicaid Expansion (n=25)	Family Planning Waiver/SPA (n=23)
Diagnostic Testing for Women	9	6	3
Diagnostic Testing for Men	9	6	3
Medications for women (Clomid, hCG)	1	1
Intrauterine Insemination
In-vitro Fertilization